tailieunhanh - IT'S ALL ABOUT YOU 2011 ANNUAL REPORT

Since it was established, the Federal Reserve has worked with the private sector to improve the eff iciency and cost-effectiveness of the check- col lection system. Toward that end, the Federal Reserve and the banking industry developed bank routing numbers in the 1940s. These numbers are still printed on checks to identify the institution on which a check is drawn and to which the check must be presented for payment. In the 1950s, the magnetic ink character recognition (MICR) system for encod- ing pertinent data on checks was developed so that the data could be read electronically. The MICR system contributed signif. | Brookfield SAVI NGS BAN K It s all ABOUT YOU 2011 ANNUAL REPORT It s all about. You and Your Family. You and Your Community. You and Your Business. You and Your Bank. A Letter From the President To Our Valued Customers and Community Members North Brookfield Savings Bank completed its 157th year of successful financial results in 2011 and for the 68th consecutive quarter received BauerFinancial s 5-Star Superior rating for asset quality capital adequacy and financial stability. Fewer than 10 of the nation s banks have achieved this distinction. The Bank continues to grow and welcomed many new customers in 2011. At North Brookfield Savings Bank we have a dedicated team of professionals that strive to provide each customer with sound financial advice and solutions. We have stayed true to our original philosophy of responding to the economic and social needs of our customers and community. In 2011 the expansion into commercial lending resulted in increased loan growth and we expect that to continue in 2012. The pace of residential lending also increased as we were able to offer very competitive interest rates quick responses and superior service. We provide flexible solutions combined with local decision making for both business and personal loans. Throughout this Annual Report you will see highlights of you our customers the businesses so vital to the economic success of the community and the community events that our employees so generously donated their time to. North Brookfield Savings Bank makes a difference not only through the banking services that we offer but also through charitable giving corporate sponsorships and volunteerism. We are all about you and only about you. We appreciate the trust and loyalty you have shown us and strive to ensure that your experience with the Bank is a positive one and that the services we provide are competitive and appropriate for you. I thank the Board of Trustees the management team and all the North Brookfield Savings Bank .

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